BDO offers fixed home loan rates starting at 6.00% p.a. — but if your loan is already a few years old, you could be paying far more. Refinancing through Nook is 100% free and could save you thousands every month.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan lenders, offering fixed-rate packages typically locked in for 1, 2, 3, 5, or 10 years before repricing to the bank's prevailing rate. For 2026, BDO's 1-year fixed rate starts at 6.00% p.a. — competitive by Philippine standards. However, many existing BDO borrowers find themselves well above this figure after one or more repricing cycles, often paying 8%, 9%, or even higher on loans taken out several years ago. If your fixed-rate period has already ended or is about to end, now is the ideal time to review your options. You can learn more about BDO's current rates and how repricing works before making any decisions.
Repricing happens automatically when your fixed-rate term expires. At that point, BDO applies its board rate — which fluctuates with market conditions and is not always published transparently. Many borrowers don't realise they've shifted to a higher rate until they check their monthly statement. The good news is that you're not locked in forever. Refinancing your BDO home loan to a lower rate — whether with BDO itself or with another lender — can significantly reduce your monthly amortisation. Through Nook, you can compare BDO's refinancing offer against other partner banks simultaneously, with no broker fees charged to you at any point.
To qualify for a BDO home loan or refinance, you'll typically need a minimum monthly income of 50,000 and a debt-to-income ratio no higher than 40%. BDO accepts a wide range of employment types including private employees, government workers, OFWs, seafarers, self-employed professionals, and BPO workers. Loan purposes covered include refinancing, home equity, renovation, and purchase of RFO or pre-selling properties. If you want to make sure your documents are in order before applying, check out the complete BDO housing loan requirements guide for a full checklist. Note that interest rates are subject to change — always verify the current rate directly with BDO or through Nook before proceeding.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
BDO's 1-year fixed home loan rate starts at 6.00% p.a. as of 2026, making it one of the more competitive offers among major Philippine banks. Rates for longer fixed-rate terms (3, 5, or 10 years) will typically be higher to account for the extended rate guarantee. Always confirm the latest rates with BDO directly or through Nook, as rates are subject to change without prior notice.
When your fixed-rate period ends, BDO automatically reprices your loan to its prevailing board rate, which is based on market conditions at that time. This new rate may be significantly higher than your original fixed rate, especially if benchmark rates have risen since you first took out the loan. You can request a repricing negotiation with BDO, or use that window to refinance to a better rate through another lender — Nook can help you compare both options for free.
Yes — refinancing your BDO home loan is a straightforward process, and you can refinance either within BDO or transfer to a different bank offering a better rate. Through Nook, you can submit one application and receive offers from multiple partner banks simultaneously, letting you choose the lowest rate available without paying any broker fees. Most refinance approvals through Nook's partner banks are completed within 30 days.
The savings depend on your remaining loan balance, current interest rate, and the new rate you qualify for. On a 3,000,000 peso loan with 20 years remaining, moving from 8.50% to 5.99% could reduce your monthly payment by over 4,000 pesos — that's more than 800,000 pesos in total interest savings over the life of the loan. Use Nook's free calculator to get a personalised estimate based on your actual loan details.
Yes, Nook's service is completely free for borrowers — Nook earns a referral fee from the bank when your loan is successfully disbursed, so you never pay a broker fee or consultation charge. You get access to multiple bank offers, expert guidance through the application process, and a dedicated loan specialist at zero cost to you. There are no hidden charges or obligations to proceed after receiving your rate comparison.
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